The outboards all have a WOT of about 6000 RPM--no difference if 200 hp or 90hp.
To get the same speeds, you will or at least should be to prevent lugging, be running twins and singles at the same speeds. You want your boat to be propped to get the Max Speed at WOT. If you only get 4000 RPM at WOT your boat is under performing, and the engine is being harmed.
The nose and fuel burn will be very close in today's modern outboards. The maintenance costs will probably be less with the one large and kicker.
I suspect the reliability of modern outboards is way beyond 95% more like 99.998% or something in that category. I have been of the single group. I have some issues, but always been able either repair the motor, or go in limp home mode at displacement speed. (One external oil pump failure on an Evinrude Fitch type of engine 2006, and an electric shift problem in 1975 --able to get in forward). Many thousands of hours on outboards during the last 70+ years of running outboard motors (and in the late 40's and 50's motors were less reliable. I use the dinghy motor as a kicker. Granted it is not going to move me fast, or maybe not into heavy seas or winds. But it will give me steerage way.
Go with what you are most comfortable with